1231 N Shore Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1231 N Shore Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,387 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$226,400 (Jun 2019)
Tax Bill	$2,489 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Mar 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`94527`

Property Details

APN / Parcel Number

Primary APN	`94527`
Alternative APN	`352531440000010170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,387 sqft Heated Area
Gross Area	2,215 sqft
1st Floor Area	1,387 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	480 sqft

Exterior Amenities

Pool Area	260 sqft
Porch	Finished/Screened Porch
Porch Area	348 sqft
Deck Area	565 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	94527
Street Address	1231 NORTH SHORE DR
City	SAINT CLOUD
State	FL
Zip	34771-9488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	REPLAT NEW EDEN UNIT 15 PB 1 PG 343 LOTS 17 THRU 20
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	NEW EDEN ON LK UN15R
Legal Tract	4400
Legal Block	1
Legal Lot Number	17-20 18
Legal Unit	15
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1067
Census Tract	43700

Owner

1231 N Shore Dr is owned and occupied by two individuals who bought it in June 2019.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1231 NORTH SHORE DR, SAINT CLOUD, FL 34771-9488
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 1, 2018	Warranty Deed, Transfer INTEGRITY FIRST TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 14, 2019 · Amount on File
Deed Sale	Jun 14, 2019 · Amount on File
Prior Sale	Mar 1, 2018 · Amount on File
Deed Document Number	2019077165
Deed Book / Page	5541 / 1369
Record Updated	Jun 8, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 14, 2019
Property Address	1231 N SHORE DR, SAINT CLOUD, FL 34771-9488
Document Number	0055411369
Book / Page	5541 / 1369
Map Reference	MB 1 PG 343
Instrument Date	Jun 13, 2019
Instrument	2019077165
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,584.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 W DONEGAN AVE, 215, KISSIMMEE, FL 34741-2367

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3535 SAXONY LN, SAINT CLOUD, FL 34772-7837

Mortgage

Document Number	0055411371
Date	Jun 14, 2019
Instrument	5541/1371

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 1, 2018
Property Address	1231 N SHORE DR, SAINT CLOUD, FL 34771-9488
Document Number	0052932720
Book / Page	005293 / 002720
Instrument Date	Feb 28, 2018
Instrument	34893
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Tax	$140.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1627 E VINE ST #E KISSIMMEE FL 347443719, E, KISSIMMEE, FL 34744-3719

Tax Assessment & Valuation

The 2025 property tax bill for 1231 N Shore Dr was $2,489 with exemptions applied.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,489.00 Homeowner's exemption Senior Citizen's exemption	$181,207	$268,100 Land $35,000 Building $233,100
2023	$2,448.00 (+4.84%) Homeowner's exemption	$170,972 (+3%)	$252,300 (+13.65%) Land $26,000 Building $226,300
2022	$2,335.00 Homeowner's exemption	$165,993	$222,000 Land $26,000 Building $196,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1231 N Shore Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1231 N Shore Dr is high, ranking above 77% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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